Citadel Insurance Travel insurance (Citadel Travel Policy)
Underwritten by Citadel Insurance p.l.c. · Malta
travel insurance from Citadel Insurance for the Malta market, with online purchase and 24/7 assistance.
Verified Oct 15, 2026 · Terms dated 2020-02Sources
Key facts
- Personal liability up to €1,200,000
- Starting price: €12.50per tripAs published by the insurer — it does not say who the price is for
Unique selling points
24-hour, 365-day multilingual emergency medical assistance provided at no extra cost through International Medical Group's Global Response service.
Personal Liability cover of up to €1,200,000 is included at every tier, from Economy to Club.
The top Club tier offers medical expense cover of up to €600,000, well above the Economy tier's €35,000.
Free travel insurance cover for children under 2 years of age.
Optional add-ons such as winter sports extension, extreme weather cancellation cover, excess waiver and rental vehicle excess let customers tailor cover beyond the standard package.
Coverage limits
Medical and Emergency Expenses
€35K – €600K
Covers medical and emergency expenses arising from accidental bodily injury, illness or death abroad. Limits vary by tier: Economy €35,000; Standard €200,000; Club €600,000.
Section: YOUR BENEFITS AT A GLANCE
Medical Expenses € 35,000 € 200,000 € 600,000
Emergency Medical Treatment Expenses
€35K – €600K
Section 3 - Medical and Emergency Expenses benefit; limit depends on chosen tier: Economy €35,000; Standard €200,000; Club €600,000.
Section: YOUR BENEFITS AT A GLANCE
Medical Expenses € 35,000 € 200,000 € 600,000
Hospital Cash Benefit
€700
In-patient hospital cash benefit paid in case of admission to hospital abroad due to accidental injury or illness. Not insured under Economy; €25 per day (€50 if the European Health Card is used) up to a maximum of €700 under Standard and Club cover only.
Section: YOUR BENEFITS AT A GLANCE
Hospital Cash Benefit NOT INSURED €25 (€50 if you use the European Health card) per day, maximum €700
Outpatient Treatment
Covered
No limit stated
Outpatient treatment is covered as part of Section 3 (Medical and Emergency Expenses), which covers expenses itemised below if You suffer accidental bodily injury, illness or death which occurs during a trip commencing during the Period of Insurance and within the maximum duration of such trip covered under this Policy, including Medical, surgical or hospital charges. Only in-patient treatment or repatriation specifically requires prior authorisation, implying out-patient treatment is covered without that pre-authorisation requirement, as We shall not make any payment in respect of a medical condition of any Insured Person/Eligible Member for any expenses or fees for any in-patient treatment or repatriation which have not been notified to and authorized by Citadel Insurance p.l.c.
Emergency Dental Treatment
Covered
No limit stated
Emergency dental treatment is covered under Section 3 (Medical and Emergency Expenses) of the Citadel Travel Policy, alongside medical, surgical and hospital charges: Expenses itemised below if You suffer accidental bodily injury, illness or death which occurs during a trip commencing during the Period of Insurance and within the maximum duration of such trip covered under this Policy: Medical, surgical or hospital charges (including rescue services to take You to hospital) and emergency dental treatment.
Emergency Medical Transport
Covered
24-hour emergency medical assistance provided at no extra cost through Global Response / International Medical Group, including liaison with doctors and hospitals and coordination of air ambulance transport.
Section: EMERGENCY MEDICAL ASSISTANCE
International Medical Group operates a multilingual office, 24 hours a day, 365 days a year and will provide immediate help in relation to liaison with doctors and hospitals, medical bills, repatriation, air ambulance and liaison with relatives.
Medical Evacuation / Air Ambulance
Covered
The 24-hour Emergency Medical Assistance service coordinates air ambulance and evacuation arrangements at no extra cost through International Medical Group / Global Response.
Section: EMERGENCY MEDICAL ASSISTANCE
International Medical Group operates a multilingual office, 24 hours a day, 365 days a year and will provide immediate help in relation to liaison with doctors and hospitals, medical bills, repatriation, air ambulance and liaison with relatives.
Repatriation
Covered
Emergency assistance service coordinates repatriation of the insured (or remains) at no extra cost as part of the 24-hour medical assistance service.
Section: EMERGENCY MEDICAL ASSISTANCE
International Medical Group operates a multilingual office, 24 hours a day, 365 days a year and will provide immediate help in relation to liaison with doctors and hospitals, medical bills, repatriation, air ambulance and liaison with relatives.
COVID-19 Treatment
Excluded
Claims arising from any injury, illness, death, liability or costs attributable to HIV (including AIDS), SARS, MEERS, COVID-19 and related illnesses, and any potential or actual epidemic/pandemic, are excluded.
Section: What is insured? / What is not insured?
Claims arising from any injury, illness, death, liability or costs attributable to HIV (including AIDS), SARS, MEERS, COVID-19 and related illnesses
Pre-Existing Medical Conditions
Excluded
Claims arising from pre-existing medical conditions are excluded; the Health Warranty voids claims under Sections 1, 2, 3 and 9 if the insured or travel companions were receiving or awaiting medical/surgical treatment, had a terminal prognosis, or were on a waiting list at the time of taking out the insurance.
Section: What is insured? / What is not insured?
Claims arising from pre-existing medical conditions
Winter Sports Extension
Optional
Winter sports cover (and other hazardous activities) is excluded unless the winter sports extension is purchased at an additional premium of three times the standard rate.
Winter Sports Cover - Three times the above rates.
Adventure / Hazardous Sports Cover
Excluded
Winter sports (unless additional premium is paid) and other hazardous activities are explicitly excluded from cover.
Section: What is insured? / What is not insured?
Winter sports (unless additional premium is paid) and other hazardous activities
Extreme Weather Cancellation Deadline
10 days
The IPID lists 'cancellation due to extreme weather conditions or natural catastrophes' as an optional extension available at extra premium, and specifically states that cover for extreme weather conditions must be purchased at least 10 days prior to departure. This 10-day minimum advance-purchase period applies specifically to the extreme weather/natural catastrophe extension, distinct from the general 'Cancellation of Trip' optional cover, for which the Proposal Form and the Summary of Cover state a separate minimum of two weeks (14 days) before departure.
Cover for extreme weather conditions must be purchased at least 10 days prior to departure.
Personal Liability
€1.2M
Personal legal liability to third parties for accidents resulting in death, bodily injury, or damage to property, covered up to €1,200,000 under all three tiers (Economy, Standard and Club).
Section: YOUR BENEFITS AT A GLANCE
Personal Liability €1,200,000 €1,200,000 €1,200,000
24/7 Emergency Assistance
Covered
24-hour emergency medical assistance is provided at no extra cost via Global Response / International Medical Group, a multilingual office operating 365 days a year for medical emergencies, repatriation coordination, air ambulance and hospital liaison.
Section: EMERGENCY MEDICAL ASSISTANCE
The Citadel Travel Policy provides 24 hour emergency Medical Assistance at no extra cost through International Medical Group - a leading British assistance company.
Key conditions
Assistance call deadline
In the event of a medical emergency, you must notify Global Response immediately.
SourcePage 2Section: What are my obligations?
In the event of a medical emergency, you must notify Global Response immediately
Purchase while abroad
Cover cannot be bought once the trip has already started, and in any case must be purchased not more than 15 days prior to commencing the journey; the trip must be a round trip commencing and ending in Malta.
SourceClause 10Section: List of Assumptions: Travel Insurance
You have not already started the trip You wish to cover.
Chronic conditions
Under the Health Warranty, no claims are paid under Sections 1, 2, 3 and 9 if the insured or any travelling companion was, at the time of taking out the insurance, receiving or awaiting medical/surgical treatment, suffering from a pre-existing medical condition, had a terminal prognosis, or was on a waiting list for surgery, inpatient treatment or investigation.
SourcePage 6Section: HEALTH WARRANTY
No claims will be paid under Section 1 - Cancellation and Curtailment Charges, Section 2 - Personal Accident, Section 3 - Medical and Emergency Expenses and Section 9 - Hospital Cash Benefit if at the time of taking out this insurance
Pre-existing condition exclusions
Claims arising from pre-existing medical conditions are excluded, and the Health Warranty voids cover under key sections if such a condition existed at inception.
SourcePage 1Section: What is insured? / What is not insured?
Claims arising from pre-existing medical conditions
Coverage duration limit
Cover applies for the number of days shown on the policy schedule, and the trip may not exceed 3 months in duration.
SourceClause 11Section: List of Assumptions: Travel Insurance
You are not going on a trip exceeding 3 months.
Direct payment
Premium must be paid at the time of taking out the insurance by cash, cheque, debit/credit card or internet banking. In a medical emergency abroad, Global Response (International Medical Group) liaises directly with doctors and hospitals and handles medical bills, repatriation and air ambulance arrangements on behalf of the insured.
Territorial scope
Area 1: Europe (including Channel Islands) and countries bordering the Mediterranean Sea, Madeira, Canary Islands, the Azores, Jordan, Russia (West of the Ural Mountains), Republic of Ireland and Iceland. Area 2: Worldwide excluding USA and Canada. Area 3: Worldwide including USA and Canada.
Where to buy
Listed alphabetically by seller. The order does not depend on whether Boleron earns anything from a sale.
Documents
Policy specifics
Winter sports extension
Optional additional cover that can be purchased for winter sports activities at an additional premium of three times the standard rate
SourcePage 1Section: What is insured? / Optional additional cover
winter sports extension
Cancellation due to extreme weather conditions or natural catastrophes
Optional additional cover subject to payment of extra premium for cancellation claims arising from extreme weather conditions or natural catastrophes
SourcePage 2Section: Are there any restrictions on cover?
Cover for extreme weather conditions must be purchased at least 10 days prior to departure
Rental vehicle excess cover
Optional additional cover that can be purchased to waive the excess on rental vehicle damage claims, subject to a limit of €350
SourcePage 4Section: PREMIUM GUIDE
Rental Vehicle Excess Cover - €8.00
Excess waiver
Optional additional cover that waives the first part of most claims (the excess) normally paid by the insured
SourcePage 4Section: PREMIUM GUIDE
Excess Waiver Option - €5.00 per insured
Increased personal accident limit
Optional additional cover subject to extra premium per unit of €11,650 benefit, increasing the Personal Accident benefit up to a maximum of €58,500 for insured persons aged 16 and over
SourcePage 2Section: YOUR BENEFITS AT A GLANCE > Optional Extensions
Personal Accident: Benefit can be increased up to a maximum of €58,500 for all Insured 16 years of age and over.
Emergency Medical Assistance
24-hour emergency medical assistance provided by International Medical Group at no extra cost through Global Response service
SourcePage 3Section: EMERGENCY MEDICAL ASSISTANCE
The Citadel Travel Policy provides 24 hour emergency Medical Assistance at no extra cost through International Medical Group - a leading British assistance company.
Medical Expenses Coverage Limits by Tier
Economy: €35,000; Standard: €200,000; Club: €600,000
SourceClause 3Page 2Section: YOUR BENEFITS AT A GLANCE
Medical Expenses € 35,000 € 200,000 € 600,000
Round trip requirement
Travel policy covers round trips commencing from and ending in Malta only; one-way journeys are not valid
SourceSection: Frequently Asked Questions > Travel Insurance FAQs > Can I take out insurance on a one-way journey?
The travel policy covers round trips commencing from and ending in Malta (i.e. return-travel only) during the period of insurance. The policy is not valid for one-way journeys.
Pre-Existing Medical Conditions Declaration
Any pre-existing medical conditions must be communicated to insurers immediately for confirmation of coverage limitations
SourceSection: Travel claim information > What is the process for opening a claim for cancellation of trip?
Any pre-existing medical conditions should be communicated to insurers immediately so that insurers may confirm whether any limitations on policy cover would apply.
Malta Residency Requirement
You and any person entitled to benefit under this policy must be ordinarily resident in Malta at the time of taking out insurance
SourceClause 1Section: List of Assumptions: Travel Insurance
You and any person entitled to benefit under this policy is ordinarily resident in Malta at the time of taking out the insurance.
Age Restrictions
The proposer must be 18 years or over, and all travellers must be around 75 years of age or under; children under 2 travel free and children under 16 are insured at half the adult rate
SourceClause 6Section: List of Assumptions: Travel Insurance
You are 18 years or over and You and all other persons with whom You have arranged to travel are under 75 years of age.
Travel Claims History
You and all other persons with whom you have arranged to travel must not have had any travel claims during the past 5 years
SourceClause 5Section: List of Assumptions: Travel Insurance
You and all other persons with whom You have arranged to travel have not had any travel claims during the past 5 years.
Coverage purchase deadline
Cover must be purchased not more than 15 days prior to commencing the journey
SourcePage 2Section: Are there any restrictions on cover?
Cover must be purchased not more than 15 days prior to commencing your journey
Police report requirement within 24 hours
Loss or theft of personal belongings, passport, personal luggage and money must be reported to police within 24 hours of discovery for claims to be valid
SourcePage 1Section: What is insured? / What is not insured?
Loss or theft of personal belongings, passport, personal luggage (including valuables) and money, if not reported to the Police within 24 hours of discovery
Trip duration limit
Trip must not exceed 3 months in duration
SourceClause 11Section: List of Assumptions: Travel Insurance
You are not going on a trip exceeding 3 months.
Medical history warranty
Insured persons must not have been receiving or awaiting medical or surgical treatment at the time of effecting this insurance
SourceClause 4Section: List of Assumptions: Travel Insurance
You and all other persons with whom You have arranged to travel or stay were not to the best of your knowledge and belief receiving or awaiting medical or surgical treatment at the time of effecting this insurance.
Trip type - conventional or business
Trip must be either a conventional holiday or business trip of a commercial or professional nature
SourceClause 2Section: List of Assumptions: Travel Insurance
The trip is a conventional holiday or a business trip of a commercial or professional nature.
Extreme weather / cancellation extension purchase deadline
Sources give conflicting advance-purchase windows for the optional weather/cancellation extension: the IPID states at least 10 days prior to departure, while the Proposal Form states the Cancellation of Trip Extension must be purchased at least two weeks (14 days) before departure
SourcePage 2Section: Are there any restrictions on cover?
Cover for extreme weather conditions must be purchased at least 10 days prior to departure
Sources
- citadelplc.comhttps://www.citadelplc.com/list-of-assumptions-travel/(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/travel-claims/(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/travel-faqs/(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2021/11/IPID_-_Travel_Policy.pdf#page=1(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2021/11/IPID_-_Travel_Policy.pdf#page=2(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2026/06/DBJ17273-Citadel-Travel-A4P-Proposal-Form-x-7-pages-web.pdf#page=2(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2026/06/DBJ17273-Citadel-Travel-A4P-Proposal-Form-x-7-pages-web.pdf#page=3(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2026/06/DBJ17273-Citadel-Travel-A4P-Proposal-Form-x-7-pages-web.pdf#page=4(opens in a new tab)
- citadelplc.comhttps://www.citadelplc.com/wp-content/uploads/2026/06/DBJ17273-Citadel-Travel-A4P-Proposal-Form-x-7-pages-web.pdf#page=6(opens in a new tab)
Citadel Insurance Travel insurance